Date Received: 2021-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have spoke with both the original creditor and the collection agency in regards to the debt. On the collection agency website it reflects a payment being made in XXXX but they are saying they only can see a payment was made but not for how much. That in itself is a discrepancy because if they are showing a payment then the balance should be reflecting a payment in any amount. On my credit report for XX/XX/XXXXit shows 2 payments for XXXX and for XXXX. In the amount of XXXX dollars in XXXX and the remaining balance in XXXX. When trying to clarify the debt XXXX XXXX was unable to verify when the debt was transferred only that it was at an agency. The collections agency said that the account was open in XXXX after the paid off amount to the creditor but still has a reflection of the XX/XX/XXXX payment but was unable to verify any further information in the amount they received. Finally, the collection agency is opened for XXXX dollars which is just about half of the original balance as I was only given a XXXX credit line so the account is being grossly overcharged. Finally the XX/XX/XXXX XXXX original creditor was deleted from my score, so it was my assumption the debt was settled. Neither the agency or the original creditor has been able to verify the amounts, payments, or days the account was transferred over and have yet to provide me valid proof of the debt.
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX Opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct. On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year. How are you going to fix this?? Next is LVNV XXXX XXXX. Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING is claiming that I owe them {$2300.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call from Lvnv funding, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. I get another call from LVNV funding from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have been getting debt collection notices from Cach llc and the law firm XXXX, XXXX and XXXX. These companies say I owe them {$24000.00}. The original creditor is XXXX XXXX XXXX. The debt I assume was sold to Cach LLC for collections. the Law firm is trying to recover the debt on behalf of cach LLC. I have never taken a XXXX XXXX out from XXXX XXXX XXXX. XXXX XXXX XXXX told me that XXXX XXXX financed the loan. I called XXXX XXXX and they told me they have no record of me or that loan of {$24000.00} The thief who took out the loan used an old address that I lived in over 9 years ago ( XXXX XXXX XXXX XXXX NJ, XXXX }. I moved out in XXXX. XXXX XXXX XXXX told me The loan was taken out on XX/XX/XXXX. I Have lived at my current address for over 9 years. This fraudulent debt has been on my credit report for over 4 years. 2 years ago i asked Cache llc to validate the debt. they sent me a validation letter. I have not heard from them since, that was in XXXX, XXXX XX/XX/XXXX, XXXX I received a letter from XXXX, XXXX and XXXX. threatening to sue me if I don't respond in 30 days.
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV is reporting a fraudulent account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I have tried to dispute this account but it keeps getting verified, even though its clearly not mine. I am requesting the removal of this fraudulent account from my credit file.
Company Response:
State:
Zip: 10026
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: First of all XXXX XXXX, previously known as ( XXXX XXXX ) was an account I had back in 2004 this account was removed from my credit report based on credit report policy of after 7yrs being reported. I have never used my daughter email account in any of my personal credit card accounts. Further in XX/XX/2004 my daughter was only XXXX years old meaning the email used to contact me did not exist. So this third-party collection agency agent decided to violate my daughters privacy by how did they get to use her personal email to contact me? What if this person wasn't related to me and the companies employee assumed it was? My entire dept amount which I don't recall, it was given to this individual ( my ) daughter through spam-email including the year of it being opened and when it was charged off and the credit cards amount owed. It states in the bottom that collectors are only to contact your spouse and not to give anyone else your dept information.
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company refuses to send me proof of the debt. They continue to send me fraud packets and letters saying they are examining the debt. I have sent multiple certified letters demanding proof of the debt because I believe this company is fraudulent. I have ven filed a police report and sent them a certified copy of it. They continue to ignore me and damage my credit with XXXX. I am literally being denied my XXXX XXXX student loan so I am forced to pause my COVID-19 research project. I am about to move into my vehicle and couch surf as a XXXX XXXX.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I contacted LVNV to offer a settlement. I called the customer service number sent to me in the complaint response. However, after 45 minutes on hold, I never got to an agent. I would like to offer a settlement of {$600.00} for the XXXX XXXX debt.
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A